Ukubala Mathematical yenhlawulo ngesilinganiso refinancing

kwesivumelwano abasenza

Esimeni ukubambezeleka ukuqaliswa izibopho zayo lokuvela yesivumelwano, iqembu engibukhulumile ngaso ukuhlukumeza eyenzekile, ungalindela wuliswa ngesimo izinhlawulo noma izinhlawulo. Kulinganiselwa ngalunye usuku ukubambezeleka ngemva kwesikhathi eyayifunwa inkontileka. Futhi lingakanani kunqunywa ngokusho ezintathu ingxenye wokuhamba izinga refinancing of Central Bank yezwe, esebenza ngosuku lokukhokha. Lowo okonile adedelwe izibopho zayo uma nje ingakwazi ukufakazela ukuthi ukubambezeleka kwakungelona iphutha lakhe, kodwa kuyobe kungenxa yokungenela yomuntu wesithathu, izinhlekelele zemvelo nezinye izimo ezingalindelekile. Ngaphezu kwalokho, amalungiselelo penalty inkontileka kukhona izakhi ezidingekayo kulo, njengoba kubekiwe emthethweni we Russian Federation.

Ubukhulu isikhathi yamacala kwesivumelwano abasenza

Izinsuku ukubambezeleka enqwabelene ekupheleni kosuku lokugcina ukuhambisana nezibopho ngaphansi inkontileka. Ngemva kokubulawa yabo, eside ukubambezeleka Imininingwane kusukela esikhathini isenzo ezibophweni. Uma isibopho ayizange sigcwalisekile, party, ngenxa obekukhona kuwo ukuhlukumeza kwezivumelwano, ilungele ukukhokha akhawunti kwesijeziso, usuku ukuhlanganisa i-akhawunti kanye leli gama lokugcina lokukhokha inhlawulo.

Ukubalwa isijeziso ngesilinganiso refinancing

Ukuhlala inani izimpahla undelivered noma amasevisi ze-non-esinikeziwe kube inkomba yokuthi ubukhulu nezikweletu, owawuthi ukubaluleka elinganisiwe ezibophweni oluvelele. Ezimweni lapho inkontileka senziwa ingxenye isigwebo libalwe refinancing wenziwa ngokuvumelana umehluko intengo inkontileka kanye nobukhulu izimpahla noma amasevisi wathola. Lokho oluvelele nezikweletu kulinganiswa ngokuvumelana impahla yabo (amayunithi, ngazimbili, khilogremu, njll) olunikezwa ngokulandela yesivumelwano eyigugu, noma ngabe amukelwe ngokuphelele izimpahla iphuzu elithile noma ukubambisana underfulfilled amaphuzu ambalwa ezincane yesivumelwano.

Kanjani ukubala isigwebo ngesilinganiso refinancing

Ukuze afeze izinyathelo yokunquma inani eliqondile lokukhokhela isigwebo ngokuhambisana izinga refinancing kuyadingeka, unikezwa inkathi izibopho zingafezeki, ikhumbula ubukhulu izinga ngosuku lokuqala kuze kube sekugcineni, kanye nanoma yiziphi izinguquko ke ngaso sonke isikhathi. Ngakho, uma eside isigwebo izinsuku ezingu-100, i-okuyinto ezinsukwini zokuqala 25 zazilingana ngesilinganiso 6.5%, ezinsukwini ezilandelayo ezingu-50 - 7% kanye ezisele ezingu-25 - 7.2%, izinga isilinganiso kumele ibalwe ngendlela elandelayo:

(6.5 × 25 + 7 × 50 + 7,2 × 25) / 100 = 6,92

Ukubalwa isijeziso ngesilinganiso refinancing ukuba inani elithile isithakazelo, kungakhathaliseki ukuthi izinguquko zamanje phakathi naso sonke isikhathi nezibopho ze-non-ukuhambisana okufanele kwenziwe ngokuvumelana ifomula:

A = B × ((CP / 300) / 100) × D;

lapho:

A - Inani isigwebo;

CP - Izinga refinancing;

Ngo - nenani izibopho ezivelele;

D - inani lezinsuku sekwephuzile.

Izakhi ku-formula icace bhá futhi okunengqondo ukuze iningi amalungu emphakathini wanamuhla, kokuba ikhono alondoloze ubudlelwano ibhizinisi. lisebenzisa
ukubala enembile yenhlawulo ku izinga refinancing. Yikuphi, esikhundleni salokho, kuba uhlobo isithakazelo eziveza instrument yezimali wokulandisa nesilinganiso, kuye ngokuthi imakethe iyehla iyenyuka. Ngaphezu sibalo isigwebo, kuyisiko ukupha abashadayo zisebenzisa, sokunquma ebhange isilinganiso, intela amaphesenti, izivumelwano okungu zaymovyh nezinye imisebenzi ezidinga ukungenela umgomo amayunithi bazivumelanisa nezimo zezimakethe yawo eguquguqukayo esikhathini ezahlukene nezikhathi.